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FAQ - Savings and investment - Market-linked guaranteed investment

You invested in a guaranteed investment that was, in fact, a term deposit issued by your caisse, so you did not invest directly in the markets. The underlying indexes just measure the return on your
investment.

If this investment is in your TFSA or RRSP, the return on your guaranteed investment will not be taxed, as is the case for any other investment that is eligible for a registered plan.

The return on guaranteed investments that are not in your registered plan and do not offer a minimum annual guaranteed return cannot be known until maturity or unless the return is frozen. Unlike traditional term savings where the annual interest is
taxed each year, the interest on your guaranteed investment is taxed only in the year when the return is known.

When a guaranteed investment not in your registered plan offers a minimum annual guaranteed return, the interest is taxable annually since the minimum guaranteed return is known in advance.

The information provided here is for demonstration purposes only, and is not a substitute for a professional advice.
Before making investment decisions, you are advice to speak with your caisse advisor ou your account manager at a Desjardins Business centre.
The information contained in this section should in no way be considered an advice or a recommendation by Desjardins Securities Inc.or Disnat.